삼성카드

029780KOSPI기타 금융업

47.2 / 100

Reference Date: 2026-07-24

Financial Score12.5 / 40

News Sentiment16.7 / 25

Momentum8.0 / 20

Disclosure10.0 / 15

AI Analysis: ROE is above the industry average but the high debt ratio poses financial risk. Rose 5.1% over the past month, and news sentiment is neutral.

Company InformationBased on 2025 Annual Report

Business Overview

Samsung Card, established in 1983, operates credit card services, installment leasing, and lifestyle convenience services with approximately 13.52 million members and 3.06 million merchants. In 2025, its personal credit card transaction volume reached 141.8 trillion won, a 9.1% increase from the previous year, and it has maintained the top position in customer satisfaction for 12 consecutive years.

Number of Employees

2,033people

Average Salary

146.4M KRW

Score Calculation Basis

Detailed Financial Score

PER

7.95Industry Average 7.943.0Point

Higher than industry avg (caution)

PBR

0.63Industry Average 0.452.5Point

Higher than industry avg (caution)

ROE

7.45Industry Average 5.454.0Point

In line with industry avg

Debt Ratio

263.01Industry Average 16.990.0Point

15.5x industry avg (risky)

Trend 2023~20253.0 / 10 points

Revenue Growth Rate

0.0 / 3

Avg ▼18.4% (2-year basis)

Operating Profit Growth Rate

1.0 / 3

Avg ▲2.9% (2-year basis)

ROE Trend

2.0 / 4

Avg ROE 7.7% (declining, 3yr)

Detailed News Sentiment

65 totalPositive 24Neutral 21Negative 20Average Sentiment Score 66.8

Positive
"진성원 전략 적중"…우리카드, 상반기 신판·회원 모두 웃었다
우리카드의 전략적 성공으로 신용판매 잔액이 크게 증가하며 상반기 실적이 개선되었다.
Negative
카드사 조달금리 5% 시대 다시 오나…복합위기 속 건전성 방어
경기 침체와 기준금리 상승으로 삼성카드의 자금 조달 어려움이 심화되어 재무 건전성이 위협받고 있다.
Positive
"관광지서 즐기고 소도시서 쉬고"…카드사들, 여름 휴가철 혜택 경쟁
카드사들이 다양한 여행 혜택을 제공하며 휴가철 고객 유치 경쟁에 나서고 있어 삼성카드의 이용 활성화 기대.

Detailed Momentum

52-week position1.0Point

Near 52w low (12%, downtrend)

Current 48,150Won52-week high 67,40052-week low 45,350

1-month return4.0Point

1m +5.13% (slight rise)

Volume trend3.0Point

Volume flat

Detailed Disclosure

16 totalPositive 0Neutral 16Negative 0

Neutral증권발행실적보고서2026-07-23
Neutral일괄신고추가서류2026-07-22
Neutral투자설명서(일괄신고)2026-07-22
Neutral증권발행실적보고서2026-07-16
Neutral기업설명회(IR)개최(안내공시)2026-07-16